just wanted to ask you agents, why would a company want to obtain a group hospital and surgical scheme for its staff? is it mandatory for companies of a certain size or does the existence of the insurance scheme act as a perk/benefit for staff?

i reckon as implied by Colaboy above, GHS and Public Liability are separate, but thanks for your input anyway.

am looking at a medical insurance scheme, was wondering what's the difference between having a "hassle free" and one which gives me a medical card? Hope someone can help me clarify this...